Free audit of your total-loss valuation report

Let’s check the math.

Upload the valuation report your insurer sent, or type the numbers in yourself. Either way you get the same audit against your state’s rule, and you see every finding before you pay anything.

Currently covering 50 states. If yours isn’t listed, its rules haven’t been verified yet and we won’t guess at them.

What the audit checks

Seven checks, run against 50 states’ published rules. Every finding names the line on your report and the rule it rests on — or says plainly that your state has none.

01
Where the comparables came from
How far away each one is, how much more mileage it carries, and how old the listing is — against your state's own limits, where it sets any.
02
Whether the deductions are supported
A condition deduction with no inspection note behind it is the most commonly disputed line on a valuation report, and about half the states require it to be documented before it may be taken at all.
03
Deductions your state caps or forbids
Where a state puts a ceiling on a deduction, the excess is exact rather than estimated — the strongest number in the whole audit.
04
Sales tax and fees
Whether the settlement owes them at all, and whether that waits until you replace the car. The most commonly missing line.
05
Options the report never credited
Factory equipment on your build sheet that the valuation did not price.
06
The clocks your insurer is running against
How long they have to acknowledge, decide and pay, counted in the day type the rule actually specifies.
07
What holds up
The adjustments that are properly taken. A letter that disputes every line reads as a letter that disputes nothing.

The checks are ordinary code, not a model deciding what your claim is worth. 446 fields across 50 states are quoted from the regulation they cite and dated — how that is done.

Your report

Read once in memory to pull out the numbers, then discarded. Nothing you upload is stored — what we keep, and for how long.